← GERMAN AMERICAN BANCORP, INC. GABC
Market Price
$51.48
Market Cap
$1.92B
P/E Ratio
16.82
Revenue (FY 2025)
↑37.8% YoY
$487.40M
3-Yr CAGR: 34.4%
Net Income
↑34.4% YoY
$112.64M
Net Margin: 23.1%
Free Cash Flow
↑69.8% YoY
$154.00M
FCF Yield: 8.02%
EPS (Diluted)
↑8.1% YoY
$3.06
Basic: $3.06
Return on Equity
Efficiency
9.7%
ROA: 333.3%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (GABC)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $94.9M | — | $86.4M | $35.2M | — | $2.36 | — | $41.9M | $36.7M | — |
| FY 2017 | $99.9M | +5.3% | $88.8M | $40.7M | +15.6% | $1.77 | -25.0% | $54.9M | $43.7M | +19.1% |
| FY 2018 | $114.6M | +14.7% | $95.5M | $46.5M | +14.4% | $1.99 | +12.4% | $62.3M | $47.1M | +7.9% |
| FY 2019 | $145.2M | +26.7% | $114.0M | $59.2M | +27.3% | $2.29 | +15.1% | $65.2M | $55.9M | +18.5% |
| FY 2020 | $155.2M | +6.9% | $136.1M | $62.2M | +5.0% | $2.34 | +2.2% | $92.4M | $85.3M | +52.8% |
| FY 2021 | $160.8M | +3.6% | $151.3M | $84.1M | +35.2% | $3.17 | +35.5% | $100.8M | $96.2M | +12.7% |
| FY 2022 | $200.6M | +24.7% | $182.2M | $81.8M | -2.7% | $2.78 | -12.3% | $110.0M | $102.2M | +6.3% |
| FY 2023 | $190.4M | -5.1% | $124.2M | $85.9M | +5.0% | $2.91 | +4.7% | $107.2M | $101.5M | -0.7% |
| FY 2024 | $353.7M | +85.7% | $253.3M | $83.8M | -2.4% | $2.83 | -2.7% | $95.8M | $90.7M | -10.6% |
| FY 2025 | $487.4M | +37.8% | $361.4M | $112.6M | +34.4% | $3.06 | +8.1% | $159.3M | $154.0M | +69.8% |
Valuation
Market Price
$51.48
Market Cap
$1.92B
Enterprise Value
N/A
P/E Ratio
16.82
P/B Ratio
1.66
FCF Yield
8.02%
Dividend Yield
2.25%
Shares Outstanding
Profitability & Margins
Gross Margin
74.16%
Operating Margin
28.74%
Net Margin
23.11%
Return on Equity (ROE)
9.69%
Return on Assets (ROA)
333.34%
Asset Turnover
14.42x
Revenue 3-Yr CAGR
34.44%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.086
Debt / Assets
2.959
Cash & Equivalents
N/A
Total Debt
$100.00M
Book Value / Share
$30.94
Cash Flow Efficiency
Operating Cash Flow
$159.32M
Capital Expenditures (CapEx)
$5.32M
Free Cash Flow
$154.00M
OCF / Revenue
32.69%
FCF / Revenue
31.60%
FCF 3-Yr CAGR
14.65%
Per Share Metrics
EPS (Diluted)
$3.06
EPS (Basic)
$3.06
Dividends / Share
$1.16
Book Value / Share
$30.94
EPS YoY Growth
8.13%
Balance Sheet (FY 2025)
Total Assets
$33.79M
Total Liabilities
$7.23B
Stockholders' Equity
$1.16B
Current Assets
N/A
Current Liabilities
N/A